🛡️

Safe Rate's TrueRank Guarantee

Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.

Best Conventional Mortgage Company Lenders in Newark

Updated February 5, 2026

Market Overview

Total Lenders

17,560

Total Loans

0.28%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	NJ LENDERS CORP.	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,430	+0.006%	798
2	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,033	-0.021%	120
3	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,064	+0.147%	422
4	AMERICAN FEDERAL MORTGAGE CORPORATION	Exceptional	Exceptional	Strong	Acceptable	Strong	$52	-0.259%	117
5	PINNACLE MORTGAGE, INC.	Exceptional	Exceptional	Sound	Sound	Strong	$1,404	+0.003%	56
6	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,513	+0.187%	1,338
7	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,742	+0.133%	1,177
8	Advisors Mortgage Group, L.L.C.	Strong	Sound	Exceptional	Strong	Strong	$3,005	+0.162%	88
9	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,719	+0.495%	75
10	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,204	+0.370%	1,335
11	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,334	+0.089%	1,050
12	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,693	+0.541%	338
13	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$1,254	+0.144%	231
14	Nations Lending Corporation	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,748	+0.542%	66
15	MLD MORTGAGE INC.	Strong	Sound	Strong	Strong	Strong	$1,930	-0.038%	59
16	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$630	-0.217%	55
17	BETTER MORTGAGE CORPORATION	Strong	Exceptional	Strong	Mediocre	Sound	-$815	-0.051%	46
18	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Sound	$1,092	+0.373%	39
19	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Sound	Exceptional	$2,487	+0.202%	377
20	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,352	+0.409%	304
21	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,514	+0.289%	234
22	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,196	+0.211%	224
23	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Strong	$3,231	+0.448%	141
24	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$4,094	+0.324%	140
25	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,502	+0.246%	123
26	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,993	+0.334%	82
27	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,157	+0.466%	77
28	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$4,175	+0.362%	77
29	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,837	+0.356%	71
30	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,322	+0.609%	62
31	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,106	+0.477%	406
32	ABSOLUTE HOME MORTGAGE CORPORATION	Strong	Acceptable	Strong	Sound	Exceptional	$4,451	+0.452%	364
33	MORTGAGE ACCESS CORP.	Strong	Acceptable	Strong	Sound	Exceptional	$3,366	+0.293%	177
34	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,934	+0.401%	169
35	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,886	+0.566%	112
36	FIRST COLONY MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$2,505	+0.489%	49
37	EMM LOANS LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,844	+0.451%	47
38	EMBRACE HOME LOANS, INC.	Strong	Acceptable	Strong	Sound	Strong	$2,525	+0.297%	206
39	NORWICH COMMERCIAL GROUP, INC.	Strong	Acceptable	Strong	Sound	Strong	$3,559	+0.495%	93
40	KEYSTONE FUNDING, INC.	Strong	Acceptable	Strong	Strong	Sound	$2,867	+0.325%	44
41	BOND STREET MORTGAGE, LLC	Sound	Acceptable	Sound	Sound	Strong	$2,492	+0.339%	144
42	NATIONWIDE MORTGAGE BANKERS, INC.	Sound	Mediocre	Strong	Strong	Strong	$6,428	+0.755%	122
43	MILLENIUM HOME MORTGAGE, LLC	Sound	Acceptable	Sound	Sound	Strong	$3,434	+0.104%	109
44	FIRST ALLIANCE HOME MORTGAGE, LLC	Sound	Acceptable	Sound	Sound	Strong	$4,122	+0.271%	68
45	Cornerstone First Mortgage, Inc	Sound	Mediocre	Strong	Sound	Strong	$4,386	+0.512%	117
46	UNITED MORTGAGE CORP.	Sound	Mediocre	Strong	Sound	Strong	$5,878	+0.605%	71
47	CARRINGTON MORTGAGE SERVICES, LLC	Sound	Acceptable	Strong	Acceptable	Sound	$4,761	+0.366%	41
48	1ST 2ND MORTGAGE COMPANY OF N.J., INC.	Sound	Acceptable	Acceptable	Sound	Strong	$3,739	+0.327%	40
49	NP, INC.	Sound	Mediocre	Strong	Sound	Sound	$3,296	+1.567%	38
50	OCMBC, INC.	Sound	Mediocre	Strong	Sound	Sound	$2,804	+0.764%	38

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Ready to find your perfect lender?

Get personalized recommendations based on your specific needs

Newark, NJConventional

No credit impact

3-minute process

100% free